The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,442
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,109
−HK$677/mo
Today · 4.125%
HK$22,786
baseline
▲ 0.50% · 4.625%
HK$24,173
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,572/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,854
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,493
−HK$649/mo
Today · 4.125%
HK$25,142
baseline
▲ 0.50% · 4.625%
HK$26,468
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,284/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,730
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,530
−HK$814/mo
Today · 4.125%
HK$27,344
baseline
▲ 0.50% · 4.625%
HK$29,007
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,688/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,624
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,392
−HK$779/mo
Today · 4.125%
HK$30,171
baseline
▲ 0.50% · 4.625%
HK$31,761
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,342/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,018
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,952
−HK$949/mo
Today · 4.125%
HK$31,901
baseline
▲ 0.50% · 4.625%
HK$33,842
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,802/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,395
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,291
−HK$908/mo
Today · 4.125%
HK$35,199
baseline
▲ 0.50% · 4.625%
HK$37,055
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,398/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,595
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,796
−HK$1,219/mo
Today · 4.125%
HK$41,015
baseline
▲ 0.50% · 4.625%
HK$43,511
+HK$2,496/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,030/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,937
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,088
−HK$1,168/mo
Today · 4.125%
HK$45,256
baseline
▲ 0.50% · 4.625%
HK$47,642
+HK$2,386/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,512/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,320 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).